Credit profile
Credit scores & reportsA broad view of your credit history, score, and risk signals shown on your report.
Overview
Your profile includes payment history, utilisation, account types, and public records.
Lenders use this broader picture to assess risk, not just a single score number.
Why it matters
- It influences approvals and interest rates.
- It shows strengths and weaknesses in your credit file.
- Improving it can unlock better products.
FAQs
Is my credit profile the same as my credit score?
No. The score is just one part of your overall profile.
How can I improve my credit profile?
Pay on time, keep balances low, and build consistent positive history.
Related terms
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